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I mangled that segfault file a dozen different ways.
The final difference between crash and no crash is that
segfault files load into photoshop with the initial layer set to "background".
If layers are flattened in photoshop, a working file will become a segfault file.

Files that work load into photoshop with the initial layer on "layer 0".
If that image is saved with a solid layer at the bottom, it segfaults.

If an alpha channel is then applied to that bottom layer and saved it works.

Ok here's something wierd.
It will segfault if the alpha channel is 100% solid.
I put a one pixel dot into the alpha channel.
It doesn't segfault.